25361 Sweetness Ter, Aldie, VA 20105
3 beds · 4 baths · 2,076 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to this inviting east-facing townhome with 3 bedrooms and 2 full and 2 half bathrooms. The open kitchen features bright white cabinets, Samsung stainless steel appliances, and a beautiful chandelier-style light fixture that adds a touch of elegance. Sleek LA-style tile floors and soft carpet flow throughout, creating a spacious and comfortable feel. The dining area opens to the lit up Trex deck, making it easy to enjoy outdoor meals or just relax. The first level offers a second Family Room with a Gas fireplace which leads out to the stamped concrete patio in the large fenced backyard. The primary suite is a peaceful retreat with a custom walk-in closet, soft carpet, and a private ensuite bathroom. Recent updates include refinished cabinets and fresh exterior paint in 2024, along with a stained and painted fence. The backyard features a stamped concrete patio added in 2021 with PVC-wrapped deck pillars, perfectly complementing the Trex deck from 2018. The home also has newer systems, including heating and cooling installed in 2021 and a new water heater in 2022. The fully fenced rear yard offers privacy and a great space for entertaining and pets. Parking is a breeze with a one-car garage, driveway space for two, and overflow guest parking. Enjoy all the amenities this community has to offer, including a community center, tot lot, pool, fitness center, tennis and basketball courts, and many manicured outdoor trails. Check out this 3D Tour and schedule to see this home before it's gone. This home is ready for you to move in and enjoy!
Source: BRIGHT #VALO2091380
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: BRIGHT #VALO2091380
To qualify, you must meet the current FHA or VA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50%. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 620, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.